KYC Requirement
811 Full KYC
Full KYC (in-person/Video KYC)
811 Limited KYC
OTP-based Aadhaar authentication, must convert to Full KYC within 12 months
811 Lite
Basic details only, must complete Full KYC within 180 days
Validity
811 Full KYC
Permanent (once Full KYC is done)
811 Limited KYC
Valid for 12 months; freeze after 180 days if not converted to Full KYC
811 Lite
Valid for 180 days only; account frozen if Full KYC not completed
Maximum Account Balance Limit
811 Full KYC
No cap
811 Limited KYC
₹1 Lakh
811 Lite
₹5,000
Maximum Annual Credit Limit
811 Full KYC
No cap
811 Limited KYC
₹2 Lakhs
811 Lite
₹1.2 Lakhs
Debit Card
811 Full KYC
✅ Physical debit card available
811 Limited KYC
Virtual debit card issued (no physical card), default disabled for online txns
811 Lite
Virtual prepaid card issued; disabled for online txns, blocked after Full KYC
Cheque Book Facility
811 Full KYC
✅ Available
811 Limited KYC
❌ Not available
811 Lite
❌ Not available
Cash Withdrawal at Branch
811 Full KYC
✅ Available
811 Limited KYC
❌ Not available
811 Lite
❌ Not available
Cheque Deposit/Withdrawal
811 Full KYC
✅ Available
811 Limited KYC
❌ Not available
811 Lite
❌ Not available
Thank You!
We hope this comparison helps you choose the right Kotak 811 account
For more information, visit Kotak Mahindra Bank’s official website